Covering all issues involving insurance
May 2006 - Posts
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I recently switched jobs and decided to get my own insurance. The company that insured my wife, daughter and myself would not insure my son due to a lung infection he had earlier this year. They said he needs to be healthy for 3 months. He is a healthy Read More...
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Is there a list online of heath insurance companies? I would like become a provider. What that means is that I'm looking to get in their list of health professionals. I am a drug and alcohol counselor. Answer: If you are from Canada, you are in luck! Read More...
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I am writing you in regards to a problem I am having. On the day after Thanksgiving 2005, I co-signed for my son to have a car. Everything went fine while at the dealership. I amd my son were told the car was covered and he could drive it. So this he Read More...
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I have recently been looking to change my auto insurance and was wondering if you knew of a site or reference that may be out there that gives the latest statistics on insurance companies and their customer service. Just something for me look to at and Read More...
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In 1987 my grandfather and I had policies purchased for the two of us. He has since passed, yet I am unaware of whom the policy was with. Is there a list of all the insurance companies so that I can contact them concerning this issue or do you know a Read More...
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I am presently enrolled with Humana Choice Care Network. I have been getting the runaround regarding a copy of a cancelled check, with which Humana says it paid for a service. Humana informed me that a copied check was being sent to the provider. When Read More...
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I recently got into a car accident and was wondering is there anyway I can find out the insurance company name if I have their policy number, the name of the person who hit me, and the tag number? Answer: This could be a difficult situation. A policy Read More...
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How do I lodge a complaint against an insurance broker and the insurance company in the state of New York? Are there any sites online to do this? If not, then where do I send my letter of complaint? Answer: I would start with your insurance company itself. Read More...
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I am looking for some sort of listing of agencies that specialize in auto repair liability insurance and/or insurance for a salvage yard. Answer: I’m not aware of such a specialized list. However, you can always check with your Department of Insurance Read More...
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What will be the disposition of the face amount of a policy upon the demise of the insured if there is no named beneficiary? Answer: If there is no named beneficiary on a policy, the disposition should be to the insured’s estate. However, if you have Read More...
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I am writing to you to see how to obtain crop insurance for a two acre blueberry farm. We have a contract with Driscoll. They are widely known for their strawberries / blueberries. I appreciate any information that can be sent or emailed. Answer: I’d Read More...
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How can I go about finding out what insurance company bought out my father's insurance policy's company? He had a policy with the Independent Life Insurance Company. Answer: We’ve tackled this question in the past. It’s a tough one, but it will likely Read More...
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I have a couple of Accidental Death, Dismemberment and Loss of Sight Benefit policies. I got them with some loans I applied for. They are paid in full. Is there any way I can cash them in? Answer: The only way that you can “cash in” on these policies Read More...
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My husband just signed us up recently and XYZ Dental now covers the whole family. Unfortunately, I have not received a card or any verification for the dentist's office and want to see a dentist now. My husband signed us up about 3 weeks ago. What should Read More...
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Where can I find which doctors accept Humana in a specific zip code or location? Answer: Your best bet is to contact Humana and get them to help you out. If anyone has a current list of physicians that are enrolled with them, Humana will have that. Read More...
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Is it legal for a car or home insurance company doing business in PA to base premium rates on an individual's credit rating? If so, why? Who is responsible for allowing this disgraceful gouging of those that do not have a perfect credit rating? If an Read More...
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I have a question regarding dental insurance. My ex daughter-in-law has custody of my two grandchildren. She has remarried and the grandchildren are covered under her husband's military insurance. My son also has dental insurance with his employer and Read More...
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I just got married and my insurance agent told me that my wife and I both have to have our cars on the same policy because we live in Washington state. Apparently, Washington is a common property state. Currently we have coverage from two different companies. Read More...
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My uncle died during hurricane Katrina because he didn’t evacuate. I need to know if there is a database that will allow me to know what insurance was on his house. Since his death, the contents of his house were under water and the family has been unable Read More...
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I will be required to obtain Public Liability Insurance for my school. Where do I find companies that insure schools? Answer: You can certainly do some research on the Internet use our search box to get started. It can save you a lot of time. I’d also Read More...
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The company that carried my insurance for underground oil tank (residence) no longer writes such insurance. Can you direct me to a company that does? Answer: While I won’t direct you to an insurance company, I will suggest some ways that you can find Read More...
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Is there a market for liability insurance out there regarding Pit Bull attacks? Answer: Absolutely! Some people love these dogs and yet find that they cannot get insurance that will cover them in the event that their animal is found to have bitten someone. Read More...
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My car was totalled by the car parked next to me when it caught on fire. We both only had PL/PD coverage. His insurance claims they are not liable for my loss because it was not his fault that his car fire destroyed my vehicle. The insurance company did Read More...
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I have a friend who frequently visits the US for personal and business purposes. We would like to know what types of insurance are available and if you have any recommendations. Answer: If you are travelling frequently from one country to another, you Read More...
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My father needs to have a respiratory investigation due to an X-ray showing scarring on his lungs. We have all booked to go to Florida in December and his doctor has told him to go. My dad tried to get insurance and was quoted £1600 because the investigation Read More...
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A good friend of mine asked me a question yesterday. Her husband has been ill, and has been very depressed. They do have some kind of "life insurance,” though I'm not sure exactly what it is. She is beginning to fear that if her husband's illness worsens Read More...
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My father needs to have a respiratory investigation due to an X-ray showing scarring on his lungs. We have all booked to go to Florida in December and his doctor has told him to go. My dad tried to get insurance and was quoted £1600 because the investigation Read More...
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My mother has just conquered *** cancer for the second time. She wants to get life insurance, but can't find anyone to insure her. Is there anyone out there? Answer: Congratulations on your mother’s return to health after a second bout with cancer. As Read More...
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I live in the Boca Raton and my car has just been damaged beyond repair due to the latest hurricane. I only have one-way insurance and therefore lost the car without any compensation. The damage was not caused by the hurricane directly, but by a big huge Read More...
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I have heard the terms "SR 2" and "SR 11" in discussions about vehicle insurance in California, but I am not sure what this means. Is there a place where I can look up the definitions of such things? Answer: I’d suggest your local Department of Insurance. Read More...
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There is an insurance agency by the name of Smart Health Care Insurance and the agency is trying to sell me insurance. Before I purchase the insurance I want to know whether or not this is a scam. Answer: It’s wise to check into the background of an insurance Read More...
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This may seem like a silly question, but does homeowners insurance provide any coverage for the homeowner who gets hurt at home? Answer: It depends on your policy. Check your liability coverage to be sure. However, it’s not likely that you would have Read More...
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My husband has started to work as a sub-contractor (carpenter). He’s been told that he should buy carpenter insurance. I have no idea what kind of insurance it should be and where we can buy it. Answer: What your husband needs is insurance on himself Read More...
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I want to do educational programs for local middle schools using hawks and owls that are under my control and held on my glove with tethers. Are there any companies that provide this kind of insurance? Answer: I’m sure that you can get this kind of insurance, Read More...
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I'm trying to find a website that compares the reputation of auto insurers in their handling of claims as well as their rates. Can you help? Answer: I’m not aware of a specific site that does this, although you could always check with your local Better Read More...
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I am looking for insurance coverage [liability] for my Mazda 323 Se. The car is already in Europe and I am planning to use it starting November 1st. The car has an Ontario licence plate. Answer: When you get to Europe, you will have to get local insurance Read More...
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At the end of the month I am planning to move in with my fiancé. When giving our info to my insurance company they wanted my fiancé's driver's licence number, social security number and previous insurance info. My fiancé has lived in Manhattan for 6-years Read More...
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I have a small holistic sound healing business. My clients come to my home for treatment (only a few per week), but I also tour giving sound healing concerts. (Normally I drive my truck). This means I have some sound and light equipment, some musical Read More...
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My stepdaughter just received her driver’s license. We are not her custodial parents. She comes to our house every other weekend and one day during the opposite weeks. I have a car that belongs to me that I want to let her drive. I have been told that Read More...
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I need a homeowner’s policy for a new built home in Naples, Florida. I cannot find a carrier that will cover my two Rottweilers. Any help or direction would be very appreciated. Answer: Many insurers are now refusing to insure homeowners with dangerous Read More...
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Please help me find Continental American Life Insurance Co. I have a life insurance policy since 1958 and cannot find any information on how to contact them. Answer: This is a very common problem, and will require you to hire a business research person Read More...
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I am looking for an insurance company that will issue me a liability policy to include everything, such as my home, my car, etc. I want a flat amount of coverage for a flat amount per year. Are they are out there? Answer: Yes, they are. The kind of policy Read More...
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I am about to embark on a surrogacy arrangement in the United States. I wish to insure for post-birth medical emergencies for up to a week should they arise. I am the biological father and therefore have an insurable interest. All pre-birth medical arrangements Read More...
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When a storm is near to Florida at what time is it called "in the box"? At what time before a storm do the insurance companies stop writing policies? Answer: I’m not sure what the meteorological standard is for calling a storm “in the box.” However, it Read More...
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I have renters insurance that I have made a claim against. The problem is I am making a claim against another tenant, whose name was also on the policy. I paid for the policy, but the woman who lived with me had me removed from the house after stealing Read More...
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We are a small HOA (193 lots) that is looking for insurance that will cover volunteers (primarily committee members, but not Board members.) Any ideas? Answer: What you need is Liability Insurance for your committee members. Most HOAs provide this for Read More...
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My wife and I sell imported goods, from China, at the local Farmers Market on the big island of Hawaii. We have a business license and have been selling there for about 3 years. Some of the vendors who sell there have storage buildings. Our business has Read More...
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How do I find out the status of a pending claim? Answer: Your best bet is to contact your insurance company. If you aren’t getting information regarding your claim or you feel that you are being deliberately “put off” you may need to consult with a lawyer. Read More...
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I received a credit from XYZ Insurance Co. for car insurance stating I was overcharged because the wrong territory was on the policy. The refund was for last year and part of this year. When questioned about previous years, I was told they could not go Read More...
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My policy has been lost or stolen. How can I replace it? Answer: The first thing you need to do is contact the company you have the policy with. Each company may have slightly different rules for the replacement of a policy, but at a minimum you should Read More...
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Wellmark Blue Cross and Blue Shield of Iowa are offering three new Medicare Prescription policies. Please explain what they mean by co-pay and/or coinsurance. What does 30% coinsurance mean? Answer: Co-payment is a fixed amount paid by the member for Read More...
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Can I view my insurance policy online and email someone about changes I'd like to make? Answer: This depends completely on your insurance provider. Some companies will allow such reviews and changes to be done online and some require that you speak with Read More...
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Can you please help me with what the term "grandfather clause" means in reference to a homeowner’s insurance policy? I can't seem to find any information on this term. Answer: The term “grandfather clause” normally refers to a condition of your insurance Read More...
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My insurance company will no longer service Florida. I have been getting quotes that are three times what I have been paying for insurance. How do I hold on to my home and pay these big premiums? I am retired and living on a fixed income. I do not want Read More...
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Do any of the insurance companies provide insurance for a specific time that has already passed? For instance, if your homeowners insurance lapsed for 2 months and insurance is needed (because the mortgage company’s coverage is astronomically expensive) Read More...
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I am paying a policy by automatic monthly payment and think I have lost the insurance name. How can I track the insurance company down? I know it is life insurance, but don’t know which one. Can you give me some advice? Answer: We get lots of requests Read More...
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Can you direct me to an insurance company that will insure my photo equipment? Replacement value is about $6K. I don’t do any commercial work. It’s just a hobby, albeit an expensive one. In addition, my wife and I are going to Japan in November for two Read More...
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Is there such a thing as DRIVER insurance as opposed to CAR insurance? My husband's employer does not insure the vehicle he drives for them. (We can’t report this; my husband would be fired.) I wanted to maybe get insurance for HIM driving a vehicle - Read More...
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We live in a historical house in Ontario, Canada. For some ridiculous reason our insurance company has decided to drop the account, citing that it is "high risk". I have no comprehension of their thinking considering that 22 years ago it burned down and Read More...
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We are looking for a homeowner’s insurance policy that will satisfy a lender's requirement for a recreational home that is off the electrical grid (solar powered with back-up diesel generators) and on a road that is not currently plowed for snow in the Read More...
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Do you know of companies that will insure a driver on their learner’s permit? I just need it long enough to get a car in my name, so I can practice and get my license! Answer: This depends greatly on the insurance company and even the state. It seems Read More...
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I'm looking for info on condo insurance that the association who owns my building would purchase. I need to know what is available and where I might go to get some quotes. Answer: In most cases, a property manager or property management company will suggest Read More...
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We were insured drivers; then we were put under a temporary binder insurance coverage, while the insurance company was waiting for certain documents from me. I was unable to produce them and the binder expired. My question is how long we have to get reinsured Read More...
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My home in Navarre, Fla., was destroyed in Hurricane Ivan. When applying for a building permit I was informed that the property is in a Coastal Barrier Resource Area and therefore not eligible for flood insurance thru the NFIP. This was a total shock | |